U.S. patent application number 17/010537 was filed with the patent office on 2021-05-20 for system and method for detecting atm fraud via counting notes.
The applicant listed for this patent is Capital One Services, LLC. Invention is credited to Fardin Abdi Taghi ABAD, Reza FARIVAR, Kate KEY, Vincent PHAM, Anh TRUONG, Austin WALTERS, Mark WATSON.
Application Number | 20210150863 17/010537 |
Document ID | / |
Family ID | 1000005064888 |
Filed Date | 2021-05-20 |
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United States Patent
Application |
20210150863 |
Kind Code |
A1 |
FARIVAR; Reza ; et
al. |
May 20, 2021 |
SYSTEM AND METHOD FOR DETECTING ATM FRAUD VIA COUNTING NOTES
Abstract
Systems and methods for ATM fraud detection are presented. ATM
fraud detection may be provided in the context of a currency
dispenser configured to dispense currency notes and a force sensor
configured to detect a force applied to the currency dispenser, and
a processor configured for data communication with the currency
dispenser and the force sensor. The processor may issue an alert if
the force sensor detects the applied force for longer than a
predetermined time period.
Inventors: |
FARIVAR; Reza; (Champaign,
IL) ; KEY; Kate; (Champaign, IL) ; TRUONG;
Anh; (Champaign, IL) ; WATSON; Mark; (Sedona,
AZ) ; PHAM; Vincent; (Champaign, IL) ; ABAD;
Fardin Abdi Taghi; (Seattle, WA) ; WALTERS;
Austin; (Savoy, IL) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
Capital One Services, LLC |
McLean |
VA |
US |
|
|
Family ID: |
1000005064888 |
Appl. No.: |
17/010537 |
Filed: |
September 2, 2020 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
|
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16688105 |
Nov 19, 2019 |
10796537 |
|
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17010537 |
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Current U.S.
Class: |
1/1 |
Current CPC
Class: |
G07F 19/209 20130101;
G07F 19/202 20130101; G07F 19/207 20130101; G07D 7/202 20170501;
G06Q 20/1085 20130101; G06Q 20/4016 20130101 |
International
Class: |
G07F 19/00 20060101
G07F019/00; G06Q 20/40 20060101 G06Q020/40; G07D 7/202 20060101
G07D007/202; G06Q 20/10 20060101 G06Q020/10 |
Claims
1-20. (canceled)
21. A method of detecting fraud, comprising: presenting one or more
currency notes via a currency dispenser; detecting, by a force
sensor, a force applied to the currency dispenser; issuing an alert
upon detection of the force applied to the currency dispenser for
longer than a predetermined time period; and retracting any of the
one or more currency notes remaining via the currency
dispenser.
22. The method of detecting fraud of claim 21, wherein issuing an
alert comprises transmitting information comprising at least one
selected from the group of information identifying a user, the date
of the presentation of the one or more currency notes, the time of
the presentation of the one or more currency notes, a count of the
one or more currency notes, a value of the one or more currency
notes, and the strength of the force, and the duration of the
force.
23. The method of detecting fraud of claim 21, further comprising
applying optical character recognition to detect serial numbers of
the retracted one or more currency notes.
24. The method of detecting fraud of claim 21, further comprising
detecting the presence of a watermark or a security band in the
retracted one or more currency notes.
25. The method of detecting fraud of claim 21, further comprising:
retrieving, prior to presentation, the one or more currency notes
from a currency cassette; scanning the retracted currency notes;
and comparing a count of the retracted currency notes to a count of
the currency notes retrieved from the currency cassette.
26. The method of detecting fraud of claim 25, further comprising
determining a fraud condition if the count of the retracted
currency notes differs from the count of the currency notes
retrieved from the currency cassette.
27. The method of detecting fraud of claim 25, further comprising
determining a value of the retracted currency notes and comparing
the value of the retracted currency notes to a value of the
currency notes retrieved from the currency cassette.
28. The method of detecting fraud of claim 27, further comprising
determining a fraud condition if the value of the retracted
currency notes differs from the value of the currency notes
retrieved from the currency cassette.
29. A fraud detection system comprising: a currency dispenser
configured to dispense currency notes; a force sensor configured to
detect a force applied to the currency dispenser; and a processor
configured for data communication with the currency dispenser and
the force sensor, wherein the processor is configured to issue an
alert if the force sensor detects the force for longer than a
predetermined time period.
30. The fraud detection system of claim 29, wherein the force
sensor is integrated with the currency dispenser.
31. The fraud detection system of claim 30, wherein the currency
dispenser comprises at least one selected from the group of a belt
and a tray.
32. The fraud detection system of claim 31, wherein the force
sensor is configured to detect the force on the at least one
selected from the group of the belt and the tray.
33. The fraud detection system of claim 29, wherein the force
sensor comprises a strain gauge.
34. The fraud detection system of claim 29, wherein the force
sensor comprises a deflection sensor.
35. The fraud detection system of claim 29, further comprising an
imaging device, wherein: the imaging device is configured to, in
response to a command from the processor, capture an image in the
vicinity of the system, and the processor is configured to issue
the command upon detection of the force for longer than the
predetermined time period by the force sensor.
36. The fraud detection system of claim 35, wherein the imaging
device is configured to capture an image of a user in the vicinity
of the system.
37. The fraud detection system of claim 29, further comprising a
currency sensor, wherein: any currency notes remaining in the
currency dispenser after being dispensed to the user are retracted,
and the processor is configured to determine the count of the
retracted currency notes,
38. The fraud detection system of claim 37, wherein the processor
is further configured to: compare a count of the dispensed currency
notes and a count of the retracted currency notes, and determine a
fraud condition if the count of the dispensed currency notes
differs from the count of the retracted currency notes.
39. The fraud detection system of claim 37, wherein the currency
dispenser is configured to transfer the retracted currency notes to
a secure storage container.
40. A non-transitory computer-accessible medium having stored
thereon computer-executable instructions, wherein upon execution by
a computer arrangement comprising a processor, a currency
dispenser, a currency sensor, a force sensor, and an imaging
device, the instructions cause the computer arrangement to perform
procedures, comprising: presenting, by the currency dispenser, one
or more currency notes; detecting, by the force sensor, a force
applied to the currency dispenser; and upon detection by the force
sensor of the force for longer than a predetermined time period:
issuing, by the processor, a command to the image sensor,
capturing, by the image sensor responsive to the command, an image
of the vicinity of the computer arrangement, retracting, by the
currency dispenser, any currency notes remaining in the currency
dispenser, and issuing, by the processor, an alert.
Description
FIELD OF THE DISCLOSURE
[0001] The present disclosure relates generally to automated teller
machine (ATM) technology and, more specifically, to exemplary
systems and methods for detecting attempted fraudulent activity
aimed at automated teller machines.
BACKGROUND
[0002] An ATM is an electromechanical device that allows banking
customers or users to carry out financial transactions without the
need for a human teller. For example, customers may use an ATM to
access their bank accounts, deposit, withdraw, or transfer funds,
check account balances, or dispense items of value. Generally, to
use an ATM, the customer may insert a banking card containing an
account identifier, such as a magnetic stripe, into the ATM's card
reader, and authenticate the card by entering a personal
identification number (PIN). Once the card has been read and
authenticated, the customer can carry out various financial
transactions, including withdrawal of cash from the ATM that would
be deducted from the bank account.
[0003] In cash withdrawal transactions, the ATM will proceed to
dispense the requested cash, for example via a cash port. If the
customer is forgetful or becomes distracted, the customer may
neglect to remove the cash from the cash port, and the unremoved
cash may be retracted by the ATM without deducting the amount from
the customer's account. In some instances, however, thieves have
fraudulently taken some of the cash before retraction--typically by
removing some of the bills or notes from the middle of the stack,
leaving some of the cash behind to mislead the ATM into retracting
the remaining cash and not deducting any amount from the customer's
account. This results in losses to the bank or ATM host.
[0004] Thus, it may be beneficial to provide exemplary systems and
methods which identify such fraud by detecting the removal of some,
but not all dispensed cash to overcome at least some of the
deficiencies described herein.
SUMMARY
[0005] Aspects of the disclosed technology include systems and
methods for ATM fraud detection. ATM fraud detection may be
provided in the context of using a currency sensor to image and
count any currency notes that remain after being dispensed to a
user, and determining if the count is correct for the currency
notes dispensed; any removed bills would result in a count
discrepancy. In this way, ATM fraud attempts may be detected. This
provides an advantage over current ATM technology which lacks the
ability to detect this form of ATM fraud.
[0006] Embodiments of the present disclosure provide an automated
teller machine (ATM) comprising: a currency dispenser configured to
dispense currency notes to a user; a currency sensor; and a
processor configured for data communication with the currency
dispenser and the currency sensor; wherein, any currency notes
remaining in the currency dispenser after being dispensed to the
user are retracted; and wherein, the processor is configured to
determine the count of the retracted currency notes.
[0007] Embodiments of the present disclosure provide a method of
detecting ATM fraud, comprising: receiving a withdrawal request
from a user via an input device; retrieving currency notes from a
currency cassette; presenting the currency notes to the user via a
currency dispenser; retracting some or all of the presented
currency notes via the currency dispenser; scanning the retracted
currency notes; and comparing the count of the retracted currency
notes to a count of the currency notes retrieved from the currency
cassette.
[0008] Embodiments of the present disclosure provide an ATM fraud
detection system, comprising: a currency cassette containing
currency notes; a currency dispenser configured to receive currency
notes from the currency cassette and present the currency notes to
a user; a currency sensor configured to scan the currency notes
presented to the user; and a processor configured for data
communication with the currency dispenser and the currency sensor;
wherein the currency dispenser is configured to retract the
currency notes upon receiving a command from the processor, wherein
the currency sensor is configured to scan the currency notes
retracted by the currency dispenser, and wherein the processor is
configured to compare the count of the currency notes presented to
the user and the count of the currency notes retracted by the
currency dispenser, and to determine a fraud condition if the count
of the presented currency notes differs from the count of the
retracted currency notes.
[0009] Further features of the disclosed design, and the advantages
offered thereby, are explained in greater detail hereinafter with
reference to specific example embodiments described below and
illustrated in the accompanying drawings.
BRIEF DESCRIPTION OF THE DRAWINGS
[0010] FIG. 1 is a diagram of an ATM fraud detection system
according to one or more example embodiments.
[0011] FIGS. 2A-2D illustrate interactions between components of an
ATM fraud detection system according to one or more example
embodiments.
[0012] FIG. 3 is a flowchart illustrating a method of ATM fraud
detection according to one or more example embodiments.
[0013] FIGS. 4A-4B present a flowchart illustrating a method of ATM
fraud detection according to one or more example embodiments
DETAILED DESCRIPTION
[0014] The following description of embodiments provides
non-limiting representative examples referencing numerals to
particularly describe features and teachings of different aspects
of the invention. The embodiments described should be recognized as
capable of implementation separately, or in combination, with other
embodiments from the description of the embodiments. A person of
ordinary skill in the art reviewing the description of embodiments
should be able to learn and understand the different described
aspects of the invention. The description of embodiments should
facilitate understanding of the invention to such an extent that
other implementations, not specifically covered but within the
knowledge of a person of skill in the art having read the
description of embodiments, would be understood to be consistent
with an application of the invention.
[0015] Exemplary embodiments of the disclosed systems and methods
provide for ATM fraud detection through use of a currency sensor,
such as, e.g., a scanner, to count any dispensed cash that remains
and determining if there is a count discrepancy from any removed
bills resulting from attempted theft or fraud. Benefits of the
disclosed technology may include improved fraud prevention and
improved user experience.
[0016] FIG. 1 shows a diagram illustrating an ATM fraud detection
system 100 according to one or more example embodiments. As
discussed further below, system 100 may include card reader 110,
visual display 120, currency dispenser 120, currency cassette 130,
currency sensor 140, force sensor 145, storage container 150,
application 160, processor 170, memory 180, and/or communications
interface 190. ATM system 100 may communicate with a bank or other
backend processing system (not shown) via a network (not shown).
Although FIG. 1 illustrates certain components, system 100 may
include additional or multiple components connected in various
ways. It is understood that not all embodiments include every
component shown in FIG. 1. It is also understood that, while FIG. 1
depicts a single instance of each component, embodiments may
contain multiple instances of any components.
[0017] Card reader 110 may be any device configured to detect the
presence of a card within the ATM of system 100. Card reader 110
may include a card sensor and/or a near field communication (NFC)
reader. Card reader 110 may be configured to read and authenticate
an account-linked card associated with a user (such as an account
holder). Card reader 110 may be in data communication with
processor 170 and configured to provide the processor with a card
notification when a card is inserted into or removed from the card
reader or is tapped against the card reader.
[0018] System 100 may include a visual display 115 for displaying a
graphical user interface to a user. Visual display 115 may include
any type of device for presenting visual information such as a
computer monitor, video monitor, a flat panel display, touch screen
display, or a mobile device screen, and may include technology such
as, for example, liquid crystal display, light-emitting diode (LED)
display, plasma panel, and/or a cathode ray tube display
technology. Visual display 115 may be in data communication with
processor 170. System 100 may further include an input device (not
shown), which may include any device for inputting information,
commands or data, such as, e.g., a keypad, keyboard, electronic
pen, touch screen interface, microphone, etc. System 100 may
further include an output device (such as, e.g., speaker or
indicator lights) providing information or alerts. In some
embodiments, the input/output devices may be incorporated in whole
or in part with visual display 115 (such as, e.g., a touch screen
display). Any input or output device(s) may be in data
communication with processor 170.
[0019] System 100 may also include, or be in data communication
with, an imaging device (not shown) such as, e.g., a digital
camera, video recorder, or camcorder. The imaging device may be
positioned to capture or record images within the vicinity of ATM
system 100, such as, for example, capturing images of a user as the
user may be using the ATM of system 100. The imaging device may be
in data communication with processor 170 and configured to capture
or record images upon command or signal initiated by processor 170.
As used herein, a command may include a signal.
[0020] Currency dispenser 120 may include a device to dispense
(e.g., present or deliver) currency notes to a user. Currency
dispenser 120 may include one or more electro-mechanical components
such as, e.g., one or more belts, one or more gears, one or more
motors, and/or one or more plates or trays. Currency dispenser 120
may include one or more sensors to detect presence, position and/or
movement of currency notes. Currency notes to be dispensed may be
placed or positioned within currency dispenser 120. The particular
placement or positioning of currency notes may depend on the
particular configuration of currency dispenser 120. For example, if
currency dispenser 120 includes a belt, currency notes may be
placed on the belt; as another example, if currency dispenser 120
includes a tray, currency notes may be placed in the tray. Currency
dispenser 120 may include a cash port or cash opening through which
currency notes are presented for the user to physically remove from
the ATM of system 100. Currency dispenser 120 may be configured to
detect the presence and/or absence of currency notes, which may
indicate when a user removes, or fails to remove, currency notes
which have been dispensed to the user. Currency dispenser 120 may
be in data communication with processor 170, and may operate
pursuant to commands or signals from processor 170. Currency
dispenser 120 may be configured to send a notification or signal to
the processor when the user removes currency notes from the ATM
device.
[0021] System 100 may include one or more currency cassettes 130.
Each currency cassette 130 may be configured to hold a plurality of
currency notes to be dispensed to users. Each currency cassette 130
may hold currency notes of a different denomination/value (e.g.,
face value) than notes held in other currency cassettes that may be
contained in the ATM of system 100. Each currency cassette 130 may
be in data communication with processor 170. Currency notes to be
dispensed via currency dispenser 120 may be obtained by retrieving
currency notes from one or more currency cassettes 130; the process
of retrieving currency notes may include transferring the currency
notes to currency dispenser 120. Retrieval of currency notes from
one or more currency cassettes 130 may be performed upon command or
signal from processor 170.
[0022] Currency sensor 140 may be implemented in a plurality of
ways, including as an optical sensor, a weight sensor, and a stack
count sensor. In some examples, currency sensor 140 may be an
optical sensor, which may be any device configured to scan and
count one or more currency notes and/or capture image data for each
scanned note. In these examples, a scanner may be incorporated
within currency dispenser 120 such that any currency notes within
currency dispenser 120 may be scanned and counted. A scanner may
include, e.g., a small digital camera along with a light source
positioned behind and/or on top of a currency note. For example, if
currency dispenser 120 includes a tray, the optical currency sensor
140 may be mounted on, integrated with or otherwise arranged such
that any currency notes on the tray may be scanned. In some
embodiments, the currency sensor 140 may be arranged adjacent to or
in the vicinity of currency dispenser 120 such that any currency
notes within currency dispenser 120 may be scanned. In some
embodiments, the currency sensor 140 may be in a fixed position
relative to other components, such that scanning may occur based on
activating currency sensor 140 to capture image data as currency
notes may be in position or in motion within currency dispenser
120. Currency sensor 140 may include or incorporate a digital image
sensor, an infrared sensor, an ultraviolet sensor, and/or a sensor
which detects reflectivity for security bands within a currency
note. Currency sensor 140 may provide data in the form of image
data for each currency note scanned. Image data may include data
from one or multiple sensors (such as, e.g., visual image data,
infrared data, ultraviolet data, and/or reflectivity data) and may
include multiple images from both sides of the note. Currency
sensor 140 may be in data communication with processor 170. In some
embodiments, another counting device (not shown) may be used in
addition to, or in place of, currency sensor 140.
[0023] In some examples, the currency sensor 140 may be a weight
sensor. In these examples, the currency sensor may include one or
more elements configured to measure weight, such as a strain gauge
and a deflection sensor. The weight sensor may function to
determine the number of bills based on their weight, and may be in
data communication with processor 170. In addition, the weight
sensor may be integrated with, or complementarily arranged with,
the force sensor 145.
[0024] In some examples, the currency sensor 140 may be a stack
count sensor. In these examples, the stack count sensor may include
one or more elements configured to detect the number of bills using
one or more detection mechanisms. Exemplary detection mechanisms
may include a light output and light sensor configured to direct a
light beam towards a bill and monitor for interruptions of the
beam, one or more wheels comprising grips or grooves to separate
and manipulate bills, and/or an optical pattern sensor. The stack
count sensor may be in data communication with processor 170.
[0025] The currency sensor 140 may be implemented as a combination
of one or more of the foregoing sensors, such as one or more of the
optical sensor, the weight sensor, and the stack count sensor. The
implementation of the currency sensor may vary based on the
structure and functionality of ATM 100, including the number of
currency types and the number of denominations handled by the ATM
100. Thus, ATM 100 may require a different currency sensor
implementation and/or a different number of currency sensors if it
is configured to handle only bills of a certain type or
denomination, e.g., U.S. $20 bills, than if it is configured to
handle multiple currency types and multiple denominations. For
example, if ATM 100 is configured to handle only a certain type and
denomination of currency, determining a bill's face value may not
be necessary and a determination of the number of bills or the
weight of a stack of bills may be sufficient. In contrast, if ATM
100 is configured to handle multiple types and/or multiple
denominations of currency, determining a bill's face value may be
necessary.
[0026] Force sensor 145 may be any device configured to detect
forces on one or more currency notes as the notes are being
dispensed to a user. Force sensor 145 may include, e.g., a strain
gauge, deflection sensor, etc., and may be incorporated with
currency dispenser 120. For example, if currency dispenser 120
includes a cash port, force sensor 145 may be mounted on,
integrated with or otherwise arranged such that any forces applied
to the currency notes within the cash port (such as, e.g., attempts
to manually manipulate the notes) may be detected. Force sensor 145
may be in data communication with processor 170.
[0027] Storage container 150 may be any container within the
internal structure of ATM 100 configured to store currency notes.
Storage container 150 may be used as a receptacle to store currency
notes that may be retracted, or otherwise removed from currency
dispenser 120. In some embodiments, storage container 150 may be a
secure container such that access to notes stored therein may be
accessed only via a key or security code, etc. In some embodiments,
a second currency sensor 140 may be mounted on, integrated with or
otherwise arranged with storage container 150 such that any
currency notes in the container may be scanned and counted. In some
embodiments, ATM system 100 may accept currency notes deposited by
a user. In some embodiments, ATM system 100 may include a deposit
port (not shown) through which a user may deposit currency notes
into the ATM. In some embodiments, currency notes deposited by a
user may be placed in storage container 150. In some embodiments,
currency notes deposited by a user may be scanned by currency
sensor 140 or another currency sensor.
[0028] Application 160 may include a software application or
executable program code stored in memory 180 to be executed on
processor 170, and be configured to carry out features described
herein for any of the ATM devices described herein. Application 160
may be configured, for example, to transmit and/or receive data
with other devices via communications interface 190 of ATM device
100. For example, application 160 may be configured to initiate or
respond to one or more requests and/or to send or receive messages,
such as requests or messages involving requests to withdraw
currency notes from ATM 100. Application 160 may also be configured
to/provide a user interface via visible display 115. Further
features carried out by application 160 are described below with
reference to FIG. 2.
[0029] Processor 170 may include one or more processing devices
such as a microprocessor, RISC processor, ASIC, etc., and may
include associated processing circuitry. Processor 170 may include,
or be connected to, memory (such as memory 180) storing executable
instructions and/or data, as may be necessary or appropriate to
control, operate or interface with the other features of ATM system
100, including application 160 or any other applications running on
ATM system 100. Processor 170 (including any associated processing
circuitry) may contain additional components including processors,
memories, error and parity/CRC checkers, data encoders,
anticollision algorithms, controllers, command decoders, security
primitives and tamperproofing hardware, as necessary to perform the
functions described herein.
[0030] Memory 180 may include read-only memory, write-once
read-multiple memory and/or read/write memory, e.g., RAM, ROM, and
EEPROM, including any combination thereof. Memory 180 may store
executable instructions and/or data, as may be necessary or
appropriate to control, operate or interface with the other
features of ATM system 100, including any applications running on
ATM system 100.
[0031] Communications interface 190 may include wired or wireless
data communication capability. Communications interface 190 may be
configured for data communication between ATM system 100 and other
devises, such as, e.g., servers, back-end systems, mobile devices,
etc., over a network and protocol common to such devices. These
capabilities may support data communication with a wired or
wireless communication network, including the Internet, a wide area
network (WAN), a local area network (LAN), a wireless personal area
network, a wide body area network, a cellular network, a telephone
network, any other wired or wireless network for transmitting and
receiving a data signal, or any combination thereof (including,
e.g., a WiFi network or corporate LAN). Communications interface
190 may support communication via a short-range wireless
communication field, such as Bluetooth, NFC, or RFID, and may
include a reader, such as a NFC reader.
[0032] Communications between ATM system 100 and other devices may
be encrypted or decrypted using any suitable cryptographic method.
In some embodiments, processor 170 may encrypt data (e.g., account
data) prior to transmitting data to other devices, using any
suitable cryptographic method. Communication between devices may
include any methods used for data communication over a network,
including, for example, a text message, an e-mail, or other
messaging techniques appropriate in a network-based configuration.
Communication methods may include an actionable push notification
with an application stored on a mobile device.
[0033] FIGS. 2A-2D illustrate interactions between components of an
ATM fraud detection system according to one or more example
embodiments, with reference to components and features described
above including but not limited to the figures and associated
description. These interactions may include commands, signals or
data exchanged between processor 170 and other components,
including currency sensor 140, of ATM system 100.
[0034] Referring to FIG. 2A, at block 202 ATM system 100 may
receive from a user a request to withdraw currency notes from the
ATM. The user's request to withdraw currency notes may be received
via an input device on the ATM. The input device may be in data
communication with processor 170. As described above, an input
device may include any device for inputting information, commands
or data, such as, e.g., a keypad, keyboard, electronic pen, touch
screen interface, microphone, etc. For example, a menu of commands
may be presented to the user via touch screen display and interface
upon insertion of an account-linked card into card reader 110 by
the user.
[0035] At block 204, processor 170 may issue a command to retrieve
currency notes and transfer the currency notes to currency
dispenser 120. The currency notes to be dispensed may be retrieved
from one or more currency cassettes 130, and may be positioned
within currency dispenser 120; positioning of the retrieved
currency notes may be based on the particular configuration of
currency dispenser 120. The currency notes retrieved may be
selected to satisfy the user's withdrawal request, as described
further below with reference to FIG. 2B.
[0036] At block 206, processor 170 may issue a scan command to
currency sensor 140 to scan the currency notes transferred to
currency dispenser 120 (e.g., such as described above with
reference to FIG. 1); the scan command may include a read command
to read data from currency sensor 140. As described above, currency
sensor 140 may be incorporated or positioned within currency
dispenser 120. In some embodiments, currency sensor 140 may be
configured to activate to scan notes within currency dispenser 120
only upon a command. In some embodiments, currency sensor 140 may
be configured to activate and scan notes within currency dispenser
without receiving a command, e.g., currency sensor 140 may be
always active or may activate on a periodic basis, or may otherwise
activate upon signal from another component. A read command may
allow processor 170 to read data from currency sensor 140.
[0037] At block 208, processor 170 may receive data from currency
sensor 140. Receipt of data from currency sensor 140 may be
responsive to the scan command (block 206), which may be or include
a read command, or to another signal. The currency sensor data
relates to currency notes within currency dispenser 120 to be
dispensed.
[0038] At block 210, processor 170 may determine the count of the
currency notes to be dispensed based on the data received from
currency sensor 140. In some embodiments, the processor 170 may
determine the value of the currency notes to be dispensed based on
the data received from currency sensor 140, which may include image
data for each of the currency notes. For example, the denomination
of each imaged currency note may be determined from the image data,
and the value of the currency notes to be dispensed may be
determined by summing the denomination as determined for each of
these currency notes. In some embodiments, processor 120 may
receive data or signals from another counting device and use such
data or signals to determine the count of the currency notes to be
dispensed.
[0039] With reference to FIG. 2B, at block 222, ATM system 100 may
receive from a user a request to withdraw currency notes from the
ATM, as described above with reference to block 202 (FIG. 2A).
[0040] At block 224, the currency notes to be retrieved from the
currency cassette(s) and dispensed to the user may be selected to
satisfy the user's withdrawal request. The number and denomination
of currency notes to be retrieved may depend upon the amount
(value) of currency requested by the user to be withdrawn, and/or
the availability of currency notes of a certain denomination in a
currency cassette. For example, if the user requests withdrawal of
one hundred dollars ($100.00), and if the system has a currency
cassette with available currency notes of twenty dollar ($20)
denomination, the system may retrieve five currency notes of twenty
dollar ($20) denomination. As another example, if the user requests
withdrawal of fifty dollars ($50.00), and if the system has a
currency cassette with available currency notes of twenty dollar
($20) denomination and another currency cassette with available
currency notes of ten dollar ($10) denomination, the system may
retrieve two currency notes of twenty dollar ($20) denomination and
one currency note of ten dollar ($10) denomination. As another
example, if the user requests withdrawal of fifty dollars ($50.00),
and if the system has a currency cassette for currency notes of
twenty dollar ($20) denomination, but that cassette is empty, and
another currency cassette with available currency notes of ten
dollar ($10) denomination, the system may retrieve five currency
notes of ten dollar ($10) denomination. It will be understood that
other combinations of currency denomination selections may be made
to satisfy a user's request.
[0041] At block 226, processor 170 may determine the count of the
currency notes to be dispensed based on the selected currency
notes, without scanning or receiving data from currency sensor 140.
The expected number of currency notes to be retrieved and dispensed
(N) is determined based on the selection of currency notes, as
described above with reference to block 224, by summing the number
of currency notes of each denomination selected. The expected value
of the currency notes to be dispensed would be the same as the
amount (value) requested for withdrawal.
[0042] With reference to FIG. 2C, at block 242 processor 170 may
send a command to dispenser 120 to dispense the retrieved currency
notes to the user. In response, the retrieved currency notes within
currency dispenser (described above with reference to block 204)
may be presented to the user via currency dispenser 120. As
described above, currency dispenser 120 may include a cash port or
cash opening through which currency notes are presented for the
user to physically remove from ATM system 100.
[0043] At block 244, processor 170 may receive a signal from
currency dispenser 120 regarding the presence or absence of
currency notes in currency dispenser 120. As described above,
currency dispenser 120 may be configured to detect the presence
and/or absence of currency notes, which may indicate when a user
removes, or fails to remove, currency notes which have been
dispensed to the user. For example, the signal may indicate that
the currency dispenser is not empty, meaning that some or all of
the dispensed currency notes remain within currency dispenser 120.
In some embodiments, currency dispenser 120 may be configured to
issue a signal only when the dispenser is empty, meaning the
absence of a signal may indicate that some or all of the dispensed
currency notes remain in currency dispenser 120. In some
embodiments, processor 170 may wait a predetermined time period
after the currency notes have been presented to the user before
determining the presence or absence of a signal from currency
dispenser 120, in order to allow the user time to remove the
currency notes from ATM system 100. If the user removes all of the
dispensed currency notes, such that no currency notes remain within
currency dispenser 120, the transaction operation may be deemed
complete, subject to any action required to debit or otherwise
adjust the user's account by the amount (e.g., dollar value) of
currency notes dispensed, and the system may reset for the next
transaction.
[0044] At block 246, it may have been determined that one or more
currency notes remain within currency dispenser 120 (as described
above with reference to block 244), which may indicate the user
simply forgot to remove all of the currency notes, or may indicate
a potentially fraudulent condition (e.g., intentional removal of
some, but not all, currency notes). Accordingly, processor 170 may
issue a command to retract the dispensed currency notes. Retracting
of the currency notes may be performed by currency dispenser 120;
for example, currency dispenser 120 may reverse the
electromechanical action involved in presenting the currency notes
for removal by the user. After retracting, the currency notes are
no longer in position to be physically removed from ATM system 100.
Instead, the retracted currency notes may be positioned within the
internal structure of ATM system 100. In some embodiments, the
retracted currency notes may remain positioned within currency
dispenser 120. In some embodiments, the retracted currency notes
may be transferred to storage container 150. In some embodiments,
the retracted currency notes may be transferred to the respective
currency cassette(s) corresponding to the denomination of each
retracted currency note.
[0045] At block 248, processor 170 may issue a scan command to
currency sensor 140 to scan the retracted currency notes; the
command may include a read command to read data from currency
sensor 140. As described above, currency sensor 140 may be
incorporated or positioned within currency dispenser 120. In some
embodiments, currency sensor 140 may be configured to activate to
scan notes within currency dispenser 120 only upon a command. In
some embodiments, currency sensor 140 may be configured to activate
and scan notes within currency dispenser without receiving a
command, e.g., currency sensor 140 may be always active or may
activate on a periodic basis, or may otherwise activate upon signal
from another component. A read command may allow processor 170 to
read data from currency sensor 140. In some embodiments, a second
currency sensor 140 may be incorporated or positioned within
storage container 150, in which case processor 170 would issue the
command to, and read data from, the second currency sensor 140, as
appropriate, in the same manner as described above.
[0046] At block 250, processor 170 may receive data from the
appropriate currency sensor 140. The currency sensor data relates
to retracted currency notes which may be positioned within currency
dispenser 120 or within storage container 150 (block 246), and
receipt of data from the appropriate currency sensor 140 may be
responsive to the scan command (block 248), which may be or include
a read command, or to another signal.
[0047] At block 252, processor 170 may determine the count of the
retracted currency notes based on the data received from the
appropriate currency sensor 140 (block 250). In some embodiments,
the processor 170 may determine the value of the retracted currency
notes based on the data received from currency sensor 140, which
may include image data for each of the retracted currency notes.
For example, the denomination of each imaged currency note may be
determined from the image data, and the value of the retracted
currency notes may be determined by summing the denomination as
determined for each of these currency notes. In some embodiments,
processor 120 may receive data or signals from another counting
device and use such data or signals to determine the count of the
retracted currency notes.
[0048] With reference to FIG. 2D, at block 262 processor 170 may
send a command to dispenser 120 to dispense the retrieved currency
notes to the user. In response, the retrieved currency notes within
currency dispenser (described above with reference to block 204)
may be presented to the user via currency dispenser 120. As
described above, currency dispenser 120 may include a cash port or
cash opening through which currency notes are presented for the
user to physically remove from ATM system 100.
[0049] At block 264, processor 170 may issue a scan command to
currency sensor 140 to scan the currency notes within currency
dispenser 120; the command may include a read command to read data
from currency sensor 140. As described above, currency sensor 140
may be incorporated or positioned within currency dispenser 120. In
some embodiments, currency sensor 140 may be configured to activate
and scan notes within currency dispenser 120 only upon a command.
In some embodiments, currency sensor 140 may be configured to
activate and scan notes within currency dispenser without receiving
a command, e.g., currency sensor 140 may be always active or may
activate on a periodic basis, or may otherwise activate upon signal
from another component. A read command may allow processor 170 to
read data from currency sensor 140. In some embodiments, processor
170 may wait a predetermined time period after the currency notes
have been presented to the user before issuing a scan command to
currency sensor 140.
[0050] At block 266, processor 170 may receive data from the
appropriate currency sensor 140. The currency sensor data relates
to currency notes which may be positioned within currency dispenser
120, and receipt of data from currency sensor 140 may be responsive
to the scan command (block 264), which may be or include a read
command, or to another signal.
[0051] At block 268, processor 170 may determine the count of the
currency notes (if any) based on the data received from currency
sensor 140 (block 266). In some embodiments, the processor 170 may
determine the value of the currency notes based on the data
received from currency sensor 140, which may include image data for
each of the currency notes. For example, the denomination of each
imaged currency note may be determined from the image data, and the
value of the currency notes may be determined by summing the
denomination as determined for each of these currency notes. If the
resulting count is zero, this would indicate that the user removed
all of the dispensed currency notes from currency dispenser 120. In
some embodiments, processor 120 may receive data or signals from
another counting device and use such data or signals to determine
the count of the currency notes. As described below with reference
to FIG. 4, the count (or value, if determined) of retrieved
currency notes to be dispensed may be validated by comparing to the
expected count (or value) of the retrieved currency notes.
[0052] FIG. 3 is a flowchart illustrating a method of ATM fraud
detection 300 according to one or more example embodiments, with
reference to components and features described above including but
not limited to the figures and associated description. ATM fraud
detection method 300 may be carried out by components of ATM system
100 (including, e.g., via application 160 executing in conjunction
with processor 170).
[0053] At block 310, ATM system 100 may receive from a user a
request to withdraw currency notes from the ATM. The user's request
to withdraw currency notes may be received via an input device on
the ATM, as described above with reference to block 202 (FIG.
2A).
[0054] At block 320, the system may retrieve currency notes from
one or more currency cassettes 130 and the retrieved currency notes
may be placed in position within currency dispenser 120, as
described above with reference to FIG. 2A. The number and
denomination of currency notes retrieved from the currency
cassette(s) may depend upon the amount of currency requested by the
user to be withdrawn, and/or the availability of currency notes of
a certain denomination in a currency cassette, as described above
with reference to block 224 (FIG. 2B).
[0055] At block 330, the retrieved currency notes (block 320) may
be presented to the user via currency dispenser 120, as discussed
above with reference to blocks 242-244 (FIG. 2C). A signal from
currency dispenser 120 may indicate the presence or absence of
currency notes in currency dispenser 120, as discussed above with
reference to block 244.
[0056] At block 340, some or all of the presented currency notes
may be retracted, such that they are no longer available for
removal by the user, as described above with reference to block 246
(FIG. 2C).
[0057] At block 350, the retracted currency notes may be counted,
as described above with reference to blocks 248-252 (FIG. 2C).
[0058] At block 360, the count of the retracted currency notes
(block 350) may be compared to the count of the currency notes
retrieved and presented to the user. The count of the currency
notes retrieved and presented to the user may be based on a
counting process applied to the retrieved notes, as described above
with reference to FIG. 2A. In some embodiments, the count of the
currency notes retrieved and presented to the user may be based on
the expected count of such notes, as described above with reference
to block 226 (FIG. 2B). If the result from the comparison is that
the count of the retracted currency notes is the same as the count
of the dispensed currency notes, then it may be determined that
there is no fraud condition resulting from the user's failure to
remove all of the dispensed currency notes. Accordingly, the
transaction may be deemed complete, subject to any action required
to credit or otherwise adjust the user's account by the amount
(e.g., dollar value) of currency notes retracted (e.g., if
previously debited), and the system may reset for the next
transaction.
[0059] At block 370, if the result from the comparison (block 360)
is that the count of the retracted currency notes is different from
the count of the dispensed currency notes, then it may be
determined that there is a potential fraud condition resulting from
the apparent removal of some but not all of the dispensed currency
notes. Upon such a determination, ATM system 100 may issue a fraud
alert (as described further below with reference to FIG. 4B).
[0060] FIGS. 4A-4B present a flowchart illustrating a method of ATM
fraud detection 400 according to one or more example embodiments,
with reference to components and features described above including
but not limited to the figures and associated description. ATM
fraud detection method 400 may be carried out by components of ATM
system 100 (including, e.g., via application 160 executing in
conjunction with processor 170).
[0061] At block 410, ATM system 100 may receive from a user a
request to withdraw currency notes from the ATM. The user's request
to withdraw currency notes may be received via an input device on
the ATM, as described above with reference to block 202 (FIG.
2A)
[0062] At block 415, the system may retrieve currency notes from
one or more currency cassettes 130 and the retrieved currency notes
may be placed in position within currency dispenser 120, as
described above with reference to FIG. 2A. The number and
denomination of currency notes retrieved from the currency
cassette(s) may depend upon the amount of currency requested by the
user to be withdrawn, and/or the availability of currency notes of
a certain denomination in a currency cassette, as described above
with reference to block 224 (FIG. 2B).
[0063] At block 420, the retrieved currency notes may be counted
prior to being presented to the user, as described above with
reference to blocks 206-210 (FIG. 2A). In some embodiments, the
value of the retrieved currency notes may be determined, as
described above with reference to block 210.
[0064] At block 425, the count (or value, if determined) of the
retrieved currency notes to be dispensed (block 420) may be
validated, by comparing to the expected count (or value) of the
retrieved currency notes. The expected count (or value) may be
determined as described above with reference to block 226 (FIG.
2B). If the result of the comparison is that the count (or value,
if determined) of the retrieved currency notes (block 420) is the
same as the expected count (or value), then the count (or value) of
the retrieved currency notes to be dispensed may be deemed
validated.
[0065] At block 430, once the retrieved currency notes (block 415)
in currency dispenser 120 are ready for dispensing, the retrieved
currency notes may be presented to the user via currency dispenser
120 as discussed above with reference to blocks 242-244 (FIG.
2C).
[0066] At block 435, the system may check to determine whether any
of the presented currency notes remain within currency dispenser
120 for more than a predetermined time period. A signal from
currency dispenser 120 may indicate the presence or absence of
currency notes in currency dispenser 120, as discussed above with
reference to block 244 (FIG. 2C). If the user removes all of the
presented currency notes, such that no currency notes remain within
currency dispenser 120, the transaction operation may be deemed
complete, subject to any action required to debit or otherwise
adjust the user's account by the amount (e.g., dollar value) of
currency notes dispensed, and the system may reset for the next
transaction. If the user does not remove all of the presented
currency notes within a predetermined time period after being
presented to the user, it may be determined that one or more
currency notes remain within currency dispenser 120 for more than a
first predetermined time period, and the process may continue at
block 450.
[0067] At block 440, while the currency notes are being presented
to and available for removal by the user, a signal or data may be
received from force sensor 145, indicating the presence of an
unusual or excessive pushing, pulling or twisting force. The
presence of such a force lasting for more than a predetermined time
period may be indicative of an attempt to defraud by, e.g.,
improperly attempting to remove a portion, but not all, of the
dispensed currency notes or improperly attempting to replace larger
denomination currency notes with smaller denomination currency
notes. Continuous large and prolonged detected force may also
indicate that it is difficult to remove the notes from the machine
and may warrant a repair or inspection of the ATM.
[0068] At block 450, it has been determined (a) that one or more
currency notes remain within currency dispenser 120 for more than a
first predetermined time period, and/or (b) that an unusual or
excessive pushing or pulling force lasting for more than a second
predetermined time period is present. In either case, the event may
indicate a potentially fraudulent condition. Accordingly, any
remaining currency notes may be retracted to a position within the
internal structure of ATM system 100, such that they are no longer
available for removal by the user, as described above with
reference to block 246 (FIG. 2C).
[0069] At block 460, an image or images of the user may be captured
by an imaging device such as, e.g., a digital camera, video
recorder, or camcorder. The imaging device may be positioned on or
in the vicinity of ATM system 100 such that the imaging device can
capture or record images of a user while the user is attempting to
use ATM system 100 or is otherwise within the vicinity of ATM
system 100. For example, the processor may issue a command or
signal to the imaging device to cause the imaging device to begin
capturing images of the user as the user may be using ATM system
100. A command or signal to the imaging device to record user
images may be issued upon detection of one or more potential fraud
events as described above (e.g., with reference to blocks 435 and
440).
[0070] At block 465, the retracted currency notes may be counted,
as described above with reference to blocks 248-252 (FIG. 2C). In
some embodiments, the value of the retracted currency notes may be
determined, as described above with reference to block 252.
[0071] At block 470, the count (or value, if determined) of the
retracted currency notes (block 465) may be compared to the count
(or value, if determined) of the retrieved/dispensed currency notes
(actual count, as in block 420, or expected count, as in block
226). If the result from the comparison is that the count (or
value, if determined) of the retracted currency notes is the same
as the count (or value, if determined) of the retrieved/dispensed
currency notes, then it may be determined that there is no fraud
condition resulting from the user's failure to remove all of the
dispensed currency notes. If there is no potential fraud condition
relating to the force sensor (block 440), the transaction may be
deemed complete, subject to any action required to credit or
otherwise adjust the user's account by the amount (e.g., dollar
value) of currency notes retracted (e.g., if previously debited),
and the system may reset for the next transaction.
[0072] At block 475, if the difference resulting from the
comparison (block 470) is that the count (or value, if determined)
of the retracted currency notes is different from the count (or
value, if determined) of the dispensed currency notes, then it may
be determined that there is a potential fraud condition resulting
from the apparent removal of some but not all of the dispensed
currency notes. Furthermore, if there has been detected an unusual
or excessive force (block 440), there may be determined a potential
fraud condition relating to the force sensor.
[0073] At block 480, if there is (a) a potential fraud condition
resulting from the apparent removal of some but not all of the
dispensed currency notes, and/or (b) a potential fraud condition
relating to the force sensor, a fraud alert may be issued by ATM
system 100. In some embodiments, a fraud alert may include one or
more of outputting a sound alarm, illuminating one or more lights,
displaying message on screen, etc. In some embodiments, a fraud
alert may include sending a fraud alert message to a bank or other
account manager, ATM operator, etc. A fraud alert message may
provide information about the potential fraud event, including
information identifying the user, the date/time of the transaction,
count or value data, force data, results of any or comparisons,
and/or images obtained, etc.
[0074] In some embodiments, when notes are scanned, data from
currency sensor 140 (including data from any infrared or
ultraviolet sensor, magnetic ink sensor, and metal thread sensor)
may be used to detect the presence of one or more counterfeit
notes. For example, if retracted currency notes are scanned, the
data from currency sensor 140 (including data from any infrared or
ultraviolet sensor, magnetic ink sensor, and metal thread sensor)
may be compared to stored data to determine if a scanned note fails
to match any known currency notes, or the data from currency sensor
140 (including data from any infrared or ultraviolet sensor) may be
examined to identify the presence or absence of markers that would
ordinarily be present for legitimate currency notes. This may
include examining the data for presence of a watermark or
reflection of security bands in the scanned notes. Upon detection
of one or more counterfeit notes, an alert (such as the fraud alert
described above, or a separate counterfeit alert) may be
issued.
[0075] In some embodiments, when notes are scanned, data from
currency sensor 140 (including data from any infrared or
ultraviolet sensor) may be used to detect or record the serial
numbers for the scanned notes. For example, if retracted currency
notes are scanned, the data from currency sensor 140 (including
data from any infrared or ultraviolet sensor) may contain the
serial numbers, or image data of the serial numbers, which may be
communicated to processor 170 and recorded (e.g., stored) for later
analysis, etc. Optical character recognition may be employed to
detect numbers (e.g., serial numbers) in scanned currency notes.
Similarly, when currency notes retrieved from currency cassette(s)
to be dispensed are scanned, the data from currency sensor 140
(including data from any infrared or ultraviolet sensor) may
contain the serial numbers, or image data of the serial numbers,
which may be communicated to processor 170 and recorded (e.g.,
stored) for later analysis, etc.
[0076] The description of embodiments in this disclosure provides
non-limiting representative examples referencing figures and
numerals to particularly describe features and teachings of
different aspects of the disclosure. The embodiments described
should be recognized as capable of implementation separately, or in
combination, with other embodiments from the description of the
embodiments. A person of ordinary skill in the art reviewing the
description of embodiments should be able to learn and understand
the different described aspects of the disclosure. The description
of embodiments should facilitate understanding of the disclosure to
such an extent that other implementations, not specifically covered
but within the knowledge of a person of skill in the art having
read the description of embodiments, would be understood to be
consistent with an application of the disclosure
[0077] Throughout the specification and the claims, the following
terms take at least the meanings explicitly associated herein,
unless the context clearly dictates otherwise. The term "or" is
intended to mean an inclusive "or." Further, the terms "a," "an,"
and "the" are intended to mean one or more unless specified
otherwise or clear from the context to be directed to a singular
form.
[0078] In this description, numerous specific details have been set
forth. It is to be understood, however, that implementations of the
disclosed technology may be practiced without these specific
details. In other instances, well-known methods, structures and
techniques have not been shown in detail in order not to obscure an
understanding of this description. References to "some examples,"
"other examples," "one example," "an example," "various examples,"
"one embodiment," "an embodiment," "some embodiments," "example
embodiment," "various embodiments," "one implementation," "an
implementation," "example implementation," "various
implementations," "some implementations," etc., indicate that the
implementation(s) of the disclosed technology so described may
include a particular feature, structure, or characteristic, but not
every implementation necessarily includes the particular feature,
structure, or characteristic. Further, repeated use of the phrases
"in one example," "in one embodiment," or "in one implementation"
does not necessarily refer to the same example, embodiment, or
implementation, although it may.
[0079] As used herein, unless otherwise specified the use of the
ordinal adjectives "first," "second," "third," etc., to describe a
common object, merely indicate that different instances of like
objects are being referred to, and are not intended to imply that
the objects so described must be in a given sequence, either
temporally, spatially, in ranking, or in any other manner.
[0080] While certain implementations of the disclosed technology
have been described in connection with what is presently considered
to be the most practical and various implementations, it is to be
understood that the disclosed technology is not to be limited to
the disclosed implementations, but on the contrary, is intended to
cover various modifications and equivalent arrangements included
within the scope of the appended claims. Although specific terms
are employed herein, they are used in a generic and descriptive
sense only and not for purposes of limitation.
[0081] This written description uses examples to disclose certain
implementations of the disclosed technology, including the best
mode, and also to enable any person skilled in the art to practice
certain implementations of the disclosed technology, including
making and using any devices or systems and performing any
incorporated methods. The patentable scope of certain
implementations of the disclosed technology is defined in the
claims, and may include other examples that occur to those skilled
in the art. Such other examples are intended to be within the scope
of the claims if they have structural elements that do not differ
from the literal language of the claims, or if they include
equivalent structural elements with insubstantial differences from
the literal language of the claims.
* * * * *